do you have to be insured to be towed in a non running car
30-01-2010, 12:56 PM
#1
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do you have to be insured to be towed in a non running car
no one seems to be able to give me a straight answer i got to tow a car in later on a rigid pole but no one will steer it for me exceot me dad but he only insured on his own veihcle so is the car bein towed covered on my insurance does anyone have a clue even my copper bruv is unsure
30-01-2010, 12:57 PM
#2
no one seems to be able to give me a straight answer i got to tow a car in later on a rigid pole but no one will steer it for me exceot me dad but he only insured on his own veihcle so is the car bein towed covered on my insurance does anyone have a clue even my copper bruv is unsure
Your Dads insurance will only cover him if he is insured for ANY VEHICLE
The vehicle being towed will need to have full road cover on it
it also has to have an MOT if the wheels are on the road
This is why we have trailors
Paul
Last edited by Mr RS500; 30-01-2010 at 01:00 PM.
30-01-2010, 01:06 PM
#7
IF his dad is insured to drive any other car , the car he is driving must also be seperatly insured by the owner / whoever is in charge of the vehicle
The law was changed years ago so people couldnt insure a metro and get cover to drive any vehicle and then buy a lambo
The law states you can get insurance to drive any vehicle as long as the other vehicle is insured by its owner
The only insurance that lets you drive ANY vehicle is a traders policy
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30-01-2010, 01:19 PM
#8
No it wont
IF his dad is insured to drive any other car , the car he is driving must also be seperatly insured by the owner / whoever is in charge of the vehicle
The law was changed years ago so people couldnt insure a metro and get cover to drive any vehicle and then buy a lambo
The law states you can get insurance to drive any vehicle as long as the other vehicle is insured by its owner
The only insurance that lets you drive ANY vehicle is a traders policy
IF his dad is insured to drive any other car , the car he is driving must also be seperatly insured by the owner / whoever is in charge of the vehicle
The law was changed years ago so people couldnt insure a metro and get cover to drive any vehicle and then buy a lambo
The law states you can get insurance to drive any vehicle as long as the other vehicle is insured by its owner
The only insurance that lets you drive ANY vehicle is a traders policy
Yes it will, according to the motor insurance bureau anyway. I know it seems odd, but when the police first started seizing cars for no insurance this point came up, so it was triple checked with the MIB. It does not seem correct I agree, but this is the info we had from them.
Although of course you are right about the metro/lambo combi.
If everyone were to look at their own certificate/policy booklet then there would be a % of companies who would cover you driving (even if the car you are driving does not have insurance for itself) a car not owned by you. Whilst the other % would not.
It is all about the vehicle being owned by you etc etc etc.
Easiest thing is contact your insurance company.
30-01-2010, 03:07 PM
#13
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You can drive other vehicles on policy EVEN if the other vehicle is currently not insured by anyone else, i know i have checked with my insurance twice now and i have even posted so on this board.
Obviously though if you got out of the car and left it on the street then its not insured thats where the problem arises
Obviously though if you got out of the car and left it on the street then its not insured thats where the problem arises
30-01-2010, 05:27 PM
#15
You can drive other vehicles on policy EVEN if the other vehicle is currently not insured by anyone else, i know i have checked with my insurance twice now and i have even posted so on this board.
Obviously though if you got out of the car and left it on the street then its not insured thats where the problem arises
Obviously though if you got out of the car and left it on the street then its not insured thats where the problem arises
If this was the case then everyone would insure a mini and they buy a cossie
30-01-2010, 05:32 PM
#16
NYRS if the cossie you are driving is owned by someone else then that would be legal. I know most policys that still do the third party cover specifically state the vehicle is owned by someone else and you have permission to drive it.
same as Chris my policy says nothing about the other vehicle being insured by someone else. Oh and i checked as well.
same as Chris my policy says nothing about the other vehicle being insured by someone else. Oh and i checked as well.
30-01-2010, 05:40 PM
#17
NYRS if the cossie you are driving is owned by someone else then that would be legal. I know most policys that still do the third party cover specifically state the vehicle is owned by someone else and you have permission to drive it.
same as Chris my policy says nothing about the other vehicle being insured by someone else. Oh and i checked as well.
same as Chris my policy says nothing about the other vehicle being insured by someone else. Oh and i checked as well.
Ok then im wrong
I just hope you never have to claim as i would hate to say i told you so
I know a mate of mine thought he was covered until he got done for no insurance on his cossie
BTW his certificate said he was Fully comp but could drive any other car 3rd party . BUT , failed to mention the other car must also be insured by its registered keeper
30-01-2010, 05:44 PM
#18
that would have been written down in the full policy wording which he failed to read 
as would limits on how much you can drive the car.
if he failed to read the small print......................
im not denying that many policys demand the other car has its own policy but some do not.
as would limits on how much you can drive the car.if he failed to read the small print......................
im not denying that many policys demand the other car has its own policy but some do not.
30-01-2010, 05:46 PM
#19
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north yorkshire spares your right mate my insurance company says the same thing.the other car has to be insured as well they did change the law,i also asked this question
30-01-2010, 06:47 PM
#20
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There have been numerous test cases on the point of insurance in it's own right, and it is NOT needed, it is not a point that any insurer can insist on, due to the last man standing rule, this was decided by Law Lords after mucho deliberation.
The towed car needs to be steered, so is seen as "in control" of the person in it, being towed ins't even relevant.
If you run out of petrol and get push the car anyone in contact with the car is classed as in control, even if pushing from the boot with no one steering, or if a 10 year old lad is steering, he is in control in law.
I have driven a MGB GT with no insurance of it's own to the mot place, only a few miles and the passenger/owner is a traffic cop(bike).
tabetha
30-01-2010, 06:56 PM
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30-01-2010, 08:26 PM
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there is a lot of confusion over the issue of whether a vehicle needs to be separately insured if someone who is not the owner or hirer under an HP agreement is driving it pursuant to a driver extension on their policy.
The answer is it doesn't. Section 143 RTA 1988 requires the person using the vehicle on a highway to be insured. It does not require the owner or keeper to also have insurance at the same time.
Basically, whoever's driving it must be insured to do so.
The answer is it doesn't. Section 143 RTA 1988 requires the person using the vehicle on a highway to be insured. It does not require the owner or keeper to also have insurance at the same time.
Basically, whoever's driving it must be insured to do so.
Last edited by NC53; 30-01-2010 at 08:27 PM.
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